Chinanews client, Beijing, October 15th (Reporter Li Jinlei) These days, digital RMB red envelopes have been swiped.

50,000 people in Shenzhen won a 200-yuan digital renminbi red envelope, becoming the first lucky winner to adopt digital renminbi.

　　The friends are very curious, what does the digital RMB look like?

How to spend it?

Is it easier to use than WeChat and Alipay?

Lets come look.

50,000 early adopters of digital RMB red envelopes

　　"Thank Shenzhen! The winning rate is 2.6%, and I am one of the 50,000 lucky ones." Ms. Zhou in Shenzhen was very excited after receiving the digital RMB red envelope, and immediately posted a screenshot of the 200 yuan digital RMB red envelope.

Screenshot of digital RMB red envelope.

　　Recently, Shenzhen has launched a pilot digital renminbi red envelope, issuing 10 million digital renminbi red envelopes to individuals in Shenzhen, each with a value of 200 yuan, and the total number of red envelopes is 50,000.

　　In the end, more than 1.91 million people signed up for the lottery, and 50,000 people were drawn. The winning rate was only 2.6%. People's enthusiasm for digital renminbi is evident.

　　The process of receiving the digital RMB red envelope is also very simple.

Following the link sent by the signed SMS, Ms. Zhou downloaded the Digital RMB App, then entered the mobile phone number to register and log in, opened a personal digital wallet, and received a 200 yuan digital RMB red envelope.

　　It should be noted that the background color of the digital renminbi of different banks is different. For example, CCB is blue, Agricultural Bank is green, and ICBC and Bank of China are red.

Screenshot of digital RMB red envelope.

Sliding payment, declining payment

　　After receiving the red envelope, I came to the consumer link.

How to use the digital RMB red envelope?

　　The digital RMB App shows that swipe up to pay, and swipe down to receive payments, and the upper right corner is for QR code payment.

The user can scan the merchant's payment code or the merchant can scan the user's payment code for consumption.

　　"It's as convenient and fast as Alipay and WeChat Pay!" After receiving the digital RMB red envelope, Xiaofu, a Shenzhen university student, went to Luohu China Resources Vanguard to check in and buy some snacks, stationery and daily necessities.

　　"I used a slide-up payment. The cashier scanned my payment code. After I entered the password, there was a RMB pattern of two hundred yuan flying out. It felt very fun, the whole process was smooth, and the experience was very good." Xiaofu To a reporter from Chinanews.com.

　　It is reported that the merchants participating in this pilot include shopping malls, supermarkets, living services, daily retail, catering and consumption, etc., and merchants such as Sinopec, China Resources Vanguard, and Wal-Mart can use it.

　　Winners can spend from 18:00 on October 12 to 24:00 on October 18 at 3389 merchants that have completed the digital RMB system transformation within the jurisdiction of Luohu District.

The 200 yuan red envelope can be used in installments, and the unused red envelopes after the expiration date will be recovered by the digital RMB system.

How to use digital RMB red envelopes.

What is better than WeChat and Alipay?

　　Many people are concerned about what is the use of digital renminbi compared to WeChat and Alipay?

　　According to media reports, the person in charge of a pastry pilot merchant mentioned two advantages. One is that digital RMB can also be accepted when the store’s signal is not good.

"It turns out that when scanning the Alipay or WeChat payment code, because the storefront signal is not good, the client shows that the fee has been deducted, but our merchant has not received it."

　　The second is that merchants do not have to bear the cost. Paying with Alipay and WeChat requires handling fees, but the digital currency is the national legal tender, and there is no cost incurred for acquiring orders using this channel, which can save the business.

　　Fan Yifei, deputy governor of the People's Bank of China, recently published an article "Analysis on the Policy Implications of the Positioning of Digital RMB M0", pointing out that digital RMB does not count interest and is non-profit, and pursues the maximization of social benefits and social welfare.

Therefore, the People's Bank of China implements a free strategy consistent with cash for digital renminbi.

The People's Bank of China has established a free digital renminbi value transfer system and financial infrastructure, and does not charge exchange and circulation service fees from the issuer, and commercial banks do not charge individual customers for digital renminbi redemption and redemption service fees.

　　Dong Ximiao, chief researcher of China Merchants Finance, told a reporter from Chinanews.com that the use of digital renminbi will be very convenient. WeChat and Alipay cannot transfer funds to each other, and some places do not support WeChat or Alipay, and digital renminbi is legal tender, and no one can refuse. Close.

　　According to the renminbi's legal indemnity provisions, digital renminbi is used to pay all public and private debts within the territory of our country, and no unit or individual may refuse to accept it if the conditions are met.

Screenshot of the CCB digital RMB test interface.

When will the digital renminbi be officially launched?

　　The pace of the digital renminbi seems to be getting closer.

　　According to the recently released "Shenzhen Construction of a Pilot Demonstration Zone of Socialism with Chinese Characteristics Comprehensive Reform Pilot Implementation Plan (2020-2025)", it is proposed to establish a financial technology innovation platform on the basis of the Shenzhen Subsidiary of the Digital Currency Institute of the People's Bank of China to support the development The internal closed pilot test of the digital renminbi promotes the R&D application and international cooperation of the digital renminbi.

　　It is reported that this pilot in Shenzhen is an innovative practice carried out by Shenzhen to stimulate consumption and stimulate domestic demand during the normalization of epidemic prevention and control. It is also a routine test in the digital RMB research and development process.

　　Prior to this, CCB also publicly conducted a digital RMB wallet test in August.

　　Sun Guofeng, Director of the Monetary Policy Department of the People’s Bank of China, said at the State Council’s regular policy briefing on August 25 that at present, digital RMB research and development are following the principles of “steady, safe, controllable, innovative, and practical”. Xiongan, Chengdu, and future Winter Olympics scenes conduct internal closed pilot tests to test theoretical reliability, system stability, function availability, process convenience, scene applicability and risk controllability.

　　Sun Guofeng said that the current digital renminbi is still in the internal closed pilot test stage.

There is no timetable for the official launch of the digital renminbi.

　　Are you looking forward to a digital RMB?

(Finish)